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1098 Westside Dr, Fergus Falls, MN, 56537

4beds
5baths
4,483sqft
$599,900
$134price/sqft
$4,354/moest. monthly cost
$174,160/yrincome needed

About This Home

Welcome to lovely West Side Drive. Experience prime city riverfront living at its finest in this exceptional 4+ bed, 5 bath home, offering 178 feet of frontage along the scenic Otter Tail River. This home is situated on a peaceful, established and highly desired neighborhood, combining timeless design, generous living spaces, and an incredible outdoor lifestyle centered around the water. Within the interior you will find a grand entryway flowing nicely into the living and dining room with impressive river views; next is the expansive kitchen featuring granite countertops, solid wood cabinetry, walk-in pantry and eat-in area overlooking the outdoors. Beyond the kitchen is the great room with double-sided fireplace, vaulted ceilings and floor to ceiling windows making you feel completely immersed in nature. The main level is thoughtfully designed for convenience and functionality, offering a private office, laundry room with utility sink, mudroom, half bath, and an attached heated three-stall garage. Upstairs, a spacious landing leads to the luxurious primary suite—a true retreat overlooking the river. The suite also features a sitting area, walk-in closet, and a beautifully updated en-suite bath complete with dual vanities, a custom tile walk-in shower, and a jetted tub. Three additional bedrooms provide ample space for family and guests, including one with its own walk-in closet and private half bath. The fully finished lower level offers remarkable flexibility with a large recreation area, family room, and built-in dry bar complete with cabinetry, countertop space, and refrigerator. Whether used as an entertainment hub, game room, home gym, children's play area, or home business space, this level adapts effortlessly to your lifestyle. Step outside and discover what truly sets this property apart. The beautifully maintained backyard is designed to embrace the riverfront setting, offering endless opportunities for relaxation and recreation. Host summer barbecues on the expansive patio, enjoy the basketball court, or simply relax and watch wildlife along the riverbank. A charming paver pathway leads to a well-maintained trail down to the water's edge, creating a private retreat where you can enjoy peaceful walks, fishing, kayaking, or quiet evenings by the river. This is more than a home—it's a lifestyle. From morning sunrises over the water to evenings spent entertaining family and friends, this remarkable riverfront property offers the perfect balance of luxury, comfort, and outdoor enjoyment. Rarely does an opportunity arise to own such a well-appointed home in such a spectacular waterfront setting.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

--
4/10
iQ Academy 6-8Grades 6-81.5 mi
4/10
IQ Academy 9-12Grades 9-121.5 mi

Construction

Condition

  • Year built: 1994

Materials

  • Roof: Architectural Shingle,Pitched
  • Construction materials: Block,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block

Bathroom

  • Level: Main

Bathroom

  • Level: Upper

Bathroom

  • Level: Basement

Bathroom

  • Level: Upper

Bedroom

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 1
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 2

Dining Room

  • Level: Main

Features

  • Number of fireplaces: 2
  • Fireplace features: Double Sided,Gas
  • Fireplace: Yes
  • Finished area below ground: 1,531
  • Finished area above ground: 2,952

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s),Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,503
  • Total interior livable area: 4,483 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Living Room

  • Level: Basement

Office

  • Level: Main

Primary Bathroom

  • Level: Upper

Recreation Room

  • Level: Basement

Sitting Room

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 71004990771000
  • Zoning description: Residential-Single Family
  • Foundation area: 1551

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Composite Decking,Covered,Front Porch,Patio,Porch
  • Fencing: None
  • Has view: Yes
  • View description: North,River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front,Waterfront Elevation(10-15),Lake Bottom(Hard,Sand)
  • Frontage length: Water Frontage: 178

Lot

  • Lot size: 0.83 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 178 x 222

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Winter Weather
Inland Flooding
Hail
Ice Storm
Lightning

FEMA Declared Disasters in Otter Tail County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,033$36,396
Home Insurance *$357$4,284
Property Taxes $586$7,032
Electricity $378$4,537
Total$4,354$52,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,280/yr
40% on housing$130,620/yr
45% on housing$116,106/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$134This listing

vs Other Active Listings

Avg $/sqft

ZIP 56537$143
Otter Tail County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 56537$146
Otter Tail County$152

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-14Price change$589,900
2026-06-22Listed for sale$599,900
2025-05-02Sold$549,000
2025-04-28Pending sale$599,000
2025-02-25Price change$599,000
2025-01-03Listed for sale$639,000
2024-09-23Listing removed$639,000
2024-09-23Price change$639,000
2024-09-04Price change$669,000
2024-07-15Listed for sale$675,000

For Sale by Agent

AgentLeslie Prischmann Flugstad
BrokerageCentury 21 Atwood

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